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Do I Qualify for Medical Insurance if I Have a Pre Existing Condition?

Currently, individual, family and self employed health insurance plans are medically underwritten. This means that most health insurance companies will require every adult applicant to provide detailed health history, including prescription drug usage and physician contact information. This information is used to asses or “underwrite” each individual’s insurability. As a result, all adult applicants may not qualify.

If you or a family member has an existing medical condition, use tobacco or are overweight and want immediate, confidential feedback regarding your insurability, then use our exclusive Insurability Profile Tool™. It is fast, free and confidential, and will provide immediate feedback regarding an individual’s insurability before applying for an individual medical insurance plan.

Note:

The new healthcare law, effective September 2010, requires medical insurance companies to cover children less than 19 years of age regardless of their health status. This new mandate is applicable to employer sponsored group health insurance and individual and family major medical insurance.

Effective January 2014, health insurance companies will be prohibited from medical underwriting all applicants and restricting coverage in any way due to pre existing health conditions.

With our Insurability Profile Tool™ you can be assured of the following:

No personal information required- User remains anonymous

Completely confidential – no information is stored

Fast and easy to use – just answer the medical questions

Since medical underwriting guidelines vary by health insurance company, the Insurability Profile Tool™ will provide the User with general feedback regarding his/ her insurability. It does not guarantee an individual will qualify for a health insurance plan or the premium will be issued at a specific level.

The User is NOT making an application for health insurance. NEVER cancel existing health insurance coverage until written approval is received for the new medical insurance plan.

If feedback is desired on multiple persons please reset the tool at the end and start over for the next individual. To start the Insurability Profile Tool™ click the button below.

Your Eligibility Quiz Results

An individual's gender, tobacco status, height and weight, and coronary (heart) risk factors usually play a role in determining if he/she will qualify for a health insurance policy and how much additional premium they may be required to pay.

While all insurance companies have their own underwriting guidelines, based on the details provided,

Will I Qualify? Fast, Free and Confidential Evaluation

Due to the high risk associated with the occupation, most insurance companies will likely consider the individual ineligible for a health insurance policy, except in certain states, such as Florida and Michigan where health insurance must be offered, however, a premium increase may apply.

To continue, a "No" answer is required or reset the tool by clicking on the link below to start over for another individual.

Based on the nature of the medical condition(s), the person will likely be considered ineligible for individual major medical insurance by most insurance companies.

To continue, a "No" answer is required or reset the tool by clicking on the link below to start over for another individual.

Due to the high risk nature of these hobbies, most insurance companies may: a) increase the premium approximately 10% to 30%, b) issue an Exclusionary Rider that will exclude claims related to the specific hobby or 3) decline the applicant.

To continue, a "No" answer is required or reset the tool by clicking on the link below to start over for another individual.

Please enter the individual's details:

Gender

MaleFemale

Height and Weight

Feet

Inches

Lbs.

Have tobacco products (including smokeless tobacco) been used within the past 12 months?

YesNo

In the past 5 years have the following conditions been diagnosed or treated?

Hypertension (high blood pressure)

YesNo

High Cholesterol or Triglycerides

YesNo

An individual's gender, tobacco status, height and weight, and coronary (heart) risk factors usually play a role in determining if he/she will qualify for a health insurance policy and how much additional premium they may be required to pay.

While all insurance companies have their own underwriting guidelines, based on the details provided,

This will be updated when you click the button

Employed in a restricted occupation?

YesNo

Explosive Workers

Asbestos/Toxic Chemical Worker

Circus or Carnival Worker

Air Traffic Employee

Fire Fighter

Fisherman (offshore)

Law Enforcement

Dock Worker (Longshoremen)

Crop Duster

Miners- Underground Worker

Oil and Natural Gas Worker (Onshore or Off Shore)

Quarry Worker

Packing & Slaughterhouse Worker

Toxic Chemical Worker

Professional Athlete

Pyrotechnist

Race Car Driver

Rodeo Rider

Steel Worker

Engage in any one or more of the following hazardous hobbies?

YesNo

ATV

Automobile or boat competition

Aviation (non-commercial)

Martial Arts

Motorcycling

Mountain and rock climbing

Rodeo Activities

Skiing (professional or teacher)

Skin-scuba diving

Stunt performance

Is the person contemplating surgery or hospitalization, or have
symptoms
indicating a potentially serious condition or undiagnosed ailments?

YesNo

Is the person presently disabled or confined to an inpatient facility?

YesNo

Is the person pregnant or undergoing fertility treatment?

YesNo

In the past 2 Years, has the person been convicted of a felony or been
cited
on two or more occasions for driving while intoxicated (DUI)?

YesNo

Is the person currently or within the past 7 years experienced symptoms, obtained counseling, been
diagnosed or treated, including prescription drugs for one or more of the following conditions?